Upgrade - Personal Loans, Cards and Rewards Checking | Upgrade
Get a personal loan up to $50,000 with a low, fixed rate
Loan amount
Pay off Credit CardsDebt ConsolidationBusinessHome ImprovementLarge PurchaseOtherLoan purpose
Check your rate
Checking your rate is free and won’t impact your credit score.
Choose what’s right for you
[Earn 3.05% APY on savings
start saving now
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open a checking account
Personal loans with fast funding
See rates in minutes
[Earn up to 3% cash back
Find the card for you
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8M+
Customers
$50B+
Borrowed
50K+
Reviews
Rewards Checking Preferred
The checking account with cash back
No monthly maintenance fees
- Up to 2% cash back on purchases
- Get paid up to 2 days early with direct deposit
Personal Loans
Get the funds you need – sent directly to your bank account – within a day of clearing verifications
Achieve more with fast funding
- Fixed rates and predictable payments
- Pay off your loan at any time, with no prepayment penalty
[Refinance credit cards
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[Debt consolidation
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[Home improvement
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[Major purchase
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Flex Pay
Spread the cost of your trip over manageable, monthly payments.
Buy Now, Pay Later
- Quick application, fast decision
- Shop with hundreds of travel and retail partners
Upgrade Life Rewards
Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan
No Annual fee
- Get 3% cash back on Gas, Groceries, Utilities, and Streaming; 1% on other purchases
- Use your Upgrade Card anywhere Visa is accepted
[Cash Rewards
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[Upgrade Select
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From our customers
Trustpilot Custom Widget
[Excellent
4.7 out of 5 star rating on Trustpilot
Based on **57,866 reviews**
Trustpilot](https://www.trustpilot.com/review/upgrade.com?utm_medium=trustbox&utm_source=Carousel)
- 5 out of 5 star rating on Trustpilot
[Review by
Julian,
July 2
Upgrade truly has my best interest at heart. My tailored offer included a built...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a468044902483e4bfe68f4c?utm_medium=trustbox&utm_source=Carousel)
[Review by
MARY RODRIGUEZ,
July 2
Amazing experience, quick and easy!
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a45bb12b2b7037b1f71f0d6?utm_medium=trustbox&utm_source=Carousel)
[Review by
linda crawford,
June 18
They are very professional doing business. The process is short and I love the w...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a33fe378cbdcb9bd96d37f7?utm_medium=trustbox&utm_source=Carousel)
[Review by
Jenn,
June 18
Upgrade has been easy to use and details each payment on statements. I think I...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a33c8fa310c556a8a3ceadc?utm_medium=trustbox&utm_source=Carousel)
[Review by
GINGER HUDLESTON,
June 18
Great experience!
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a333499ba48fce60c851761?utm_medium=trustbox&utm_source=Carousel)
[Review by
Tawana Hampton,
June 16
I had a great experience overall. The representative I spoke with was profession...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a319aec4c2e1d0404c0bf8e?utm_medium=trustbox&utm_source=Carousel)
[Review by
Michelle Jackson,
June 3
Great service!
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a2069545e7d7fbc10f7aef3?utm_medium=trustbox&utm_source=Carousel)
[Review by
M.Hud,
June 3
When trying to decide what to do for my family, Upgrade provided an avenue for a...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a20565de450177274ba885e?utm_medium=trustbox&utm_source=Carousel)
[Review by
Mary Kaye Booth,
June 3
The process was super quick and easy. I was impressed with the customer experien...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f77972ad8a39179165c82?utm_medium=trustbox&utm_source=Carousel)
[Review by
Donna,
June 3
Quick response, great service
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f6e14d0dc8080637e23a4?utm_medium=trustbox&utm_source=Carousel)
[Review by
JOSEPH,
June 3
Excellent customer support, fast service. Always there to help.
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f6c6ebd7434994c431244?utm_medium=trustbox&utm_source=Carousel)
[Review by
John Clark,
June 3
Process was quick and easy. Straight forward without all the many steps that man...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f693e452d7537e9642f7c?utm_medium=trustbox&utm_source=Carousel)
[Review by
Mario Duarte,
June 2
Easy and quick response to my request. Upgrade was honest and fair!
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f4dd296e9e23b49bfe9b0?utm_medium=trustbox&utm_source=Carousel)
[Review by
Kenneth B,
June 2
I love upgrade.com anytime I need to book a flight or a cruise and dont have the...
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1f490d1ec50d3d379f98ea?utm_medium=trustbox&utm_source=Carousel)
[Review by
Hannah,
June 2
Easy to pay and keep track of payments!
Click to view the full review on Trustpilot](https://www.trustpilot.com/reviews/6a1edcc84b7090e547e6168c?utm_medium=trustbox&utm_source=Carousel)
Manage your money on the go with the Upgrade app
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